Modesto, CA vs Sacramento, CA
Moving from Modesto to Sacramento? Here's what changes — from your equivalent salary to housing ($468,302 → $582,707 median home) and taxes.
Modesto vs Sacramento at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Modesto, CA, you'd need about $103,771 in Sacramento, CA (+$3,771).
Livability — Modesto, CA: 52 · Sacramento, CA: 49 (0–100).
What your home budget buys
A $500,000 home budget gets you about 1,602 sqft in Modesto vs 1,287 sqft in Sacramento ($312 vs $389 per sqft).
Annual cost breakdown (at $100,000)
| Category | Modesto, CA | Sacramento, CA | Difference |
|---|---|---|---|
| Housing | $24,624 | $27,396 | +$2,772 |
| Groceries | $5,247 | $5,247 | +$0 |
| Transportation | $5,125 | $5,125 | +$0 |
| Utilities | $3,804 | $3,804 | +$0 |
| Insurance | $1,500 | $1,500 | +$0 |
| Taxes | $19,239 | $20,410 | +$1,171 |
| Total | $59,539 | $63,482 | +$3,943 |
Side by side
| Metric | Modesto, CA | Sacramento, CA |
|---|---|---|
| Cost-of-living index | 105.1 | 109.1 |
| Unemployment rate | 8.16% | 5.74% |
| Population growth (5-yr) | 3.1% | 5.6% |
| Air quality (median AQI) | 53 | 55 |
| Big Mac price (est.) | $5.98 | $6.21 |
| Median home price | $468,302 | $582,707 |
| Home price ÷ income | 6.3× | 6.5× |
| 1-yr home appreciation | -0.8% | -1.6% |
| Price per square foot | $312 | $389 |
| Median rent | $2,052 | $2,283 |
| Total tax burden (% income) | 13.5% | 13.5% |
| Combined sales tax | 8.82% | 8.82% |
| Capital gains tax | 13.30% | 13.30% |
| Property tax rate | 0.73% | 0.79% |
| Healthcare (annual) | $7,200 | $7,200 |
| Childcare (annual, infant) | $19,000 | $19,000 |
| Vehicle property tax | 0.65% | 0.65% |
| Avg commute (min) | 31 | 28 |
| Home insurance / yr | $1,500 | $1,500 |
| Auto insurance / yr | $2,400 | $2,400 |
| Flood insurance / yr | $750 | $750 |
| Earthquake insurance / yr | $950 | $950 |
| Electricity ¢/kWh | 35.3 | 35.3 |
| Gas $/gal | 4.85 | 4.85 |
| Violent crime /100k | 500 | 500 |
| Avg summer high °F | 84 | 84 |
| Avg winter low °F | 45 | 45 |
| Permit difficulty (1–5) | 5 | 5 |